BMW M6 Insurance Rates

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UPDATED: Jun 6, 2024

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How much does the BMW M6 insurance cost to insure? Insurance for vehicles can be confusing. Full coverage for a BMW M6 costs $2,280 a year, or $190 a month. Read on to learn more about BMW M6 driver costs to find out how much is a BMW M6 to keep.

Want to start finding cheap BMW M6 insurance rates right away? Enter your ZIP code in our free tool above to find how much does a BMW M6 cost to insure.

Average auto insurance rates for a BMW M6 are $1,906 annually including full coverage. Comprehensive insurance costs around $406 a year, collision costs $800, and liability is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing $4,150 or more. 16-year-old drivers receive the highest rates at $7,038 a year or more.

Average premium for full coverage: $1,906

Rate estimates for individual coverage type:

Comprehensive $406
Collision $800
Liability $520

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and M6 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $576 for minimum levels of liability insurance to a high of $4,150 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,906
High Risk $4,150

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,430
Small Cities $2,001
Large Cities $2,573

These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below breaks down estimated BMW M6 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,071
  • Raising to $1,000 deductibles will save about $1,632 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,906
  • Buying low $100 deductibles costs an additional $534 annually
  • Drivers with multiple tickets or accidents could pay at least $4,150 or more
  • The cost with full coverage for a 16-year-old driver can be $7,038

View Chart as Image

BMW M6 insurance cost comparison chart
Column chart showing full coverage BMW M6 insurance prices range from $1,071 to $7,038

Insurance rates for a BMW M6 can also vary considerably based on the trim level of your M6, your driving characteristics, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,800 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $7,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $2,300 to $3,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $810 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $516 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on BMW M6 insurance prices. A middle-age driver might find rates as low as $1,460 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,720 on average in Michigan, New York, and Louisiana.

BMW M6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,720 -$186 -9.8%
Alaska $1,460 -$446 -23.4%
Arizona $1,582 -$324 -17.0%
Arkansas $1,906 -$0 0.0%
California $2,170 $264 13.9%
Colorado $1,816 -$90 -4.7%
Connecticut $1,956 $50 2.6%
Delaware $2,154 $248 13.0%
Florida $2,382 $476 25.0%
Georgia $1,758 -$148 -7.8%
Hawaii $1,366 -$540 -28.3%
Idaho $1,290 -$616 -32.3%
Illinois $1,418 -$488 -25.6%
Indiana $1,438 -$468 -24.6%
Iowa $1,286 -$620 -32.5%
Kansas $1,808 -$98 -5.1%
Kentucky $2,596 $690 36.2%
Louisiana $2,820 $914 48.0%
Maine $1,176 -$730 -38.3%
Maryland $1,570 -$336 -17.6%
Massachusetts $1,522 -$384 -20.1%
Michigan $3,306 $1,400 73.5%
Minnesota $1,596 -$310 -16.3%
Mississippi $2,282 $376 19.7%
Missouri $1,690 -$216 -11.3%
Montana $2,046 $140 7.3%
Nebraska $1,502 -$404 -21.2%
Nevada $2,286 $380 19.9%
New Hampshire $1,372 -$534 -28.0%
New Jersey $2,128 $222 11.6%
New Mexico $1,684 -$222 -11.6%
New York $2,006 $100 5.2%
North Carolina $1,098 -$808 -42.4%
North Dakota $1,560 -$346 -18.2%
Ohio $1,314 -$592 -31.1%
Oklahoma $1,954 $48 2.5%
Oregon $1,744 -$162 -8.5%
Pennsylvania $1,814 -$92 -4.8%
Rhode Island $2,540 $634 33.3%
South Carolina $1,724 -$182 -9.5%
South Dakota $1,606 -$300 -15.7%
Tennessee $1,664 -$242 -12.7%
Texas $2,294 $388 20.4%
Utah $1,408 -$498 -26.1%
Vermont $1,302 -$604 -31.7%
Virginia $1,140 -$766 -40.2%
Washington $1,470 -$436 -22.9%
West Virginia $1,746 -$160 -8.4%
Wisconsin $1,318 -$588 -30.8%
Wyoming $1,694 -$212 -11.1%

View Chart as Image

BMW M6 insurance rates by U.S. city

With so much variability in rates, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

BMW M6 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
BMW M6 2-Dr Coupe $1,742 $145
BMW M6 2-Dr Convertible $1,958 $163

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

BMW M6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 BMW M6 $422 $892 $514 $2,008
2017 BMW M6 $406 $800 $520 $1,906
2016 BMW M6 $378 $736 $520 $1,814
2015 BMW M6 $366 $690 $524 $1,760
2014 BMW M6 $356 $644 $534 $1,714
2013 BMW M6 $330 $598 $534 $1,642
2012 BMW M6 $322 $542 $540 $1,584
2010 BMW M6 $282 $450 $534 $1,446
2007 BMW M6 $264 $376 $510 $1,330
2006 BMW M6 $242 $358 $504 $1,284

Rates are averaged for all BMW M6 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Low Cost BMW M6 Insurance

Saving money on insurance for a BMW M6 consists of avoiding accidents and claims, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a review of the ideas that were touched on in this article.

  • Drivers under the age of 20 are charged the highest rates, as much as $587 per month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $2,240 more every year to insure a BMW M6
  • Increasing deductibles could save up to $800 each year
  • You may be able to save up to $240 per year simply by quoting early and online

Frequently Asked Questions

What is BMW M6 Competition package? The competition includes several performance enhancements to power and torque.
How much does a new BMW M6 cost? The starting costs are $119,900 plus a $995 destination charge.
Is the BMW M6 reliable? The car is not know for its reliability.

When you look at a BMW M6 and how much does it cost to insure, there are multiple factors that influence what determines the price of car insurance.

Enter your ZIP code in our free tool below to start finding the right BMW M6 insurance group, whether you are looking for 2012 BMW M6 costs or 2014 BMW M6 insurance costs.

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What are the BMW M6 safety ratings?

BMW M6 insurance costs can depend on safety ratings. The BMW M6 is not crash-tested by the Insurance Insitute for Highway Safety (IIHS) or the National Highway Traffic Safety Administration (NHTSA).

Even though the BMW M6 doesn’t have safety ratings, the BMW M6 does have multiple safety features:

  • DSC Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • BMW Assist eCall Emergency Sos
  • Front And Rear Parking Sensors
  • Forward Collision Mitigation
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • First Aid Kit
  • Outboard Front Lap And Shoulder Safety Belts
  • Back-Up Camera

Safety features can earn you a discount on car insurance for a BMW M6. BMW M6’s that are old will have fewer safety features.

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BMW M6 Compared Against Vehicles in the Same Class

The BMW M6 is a luxury car, which puts it at a higher risk of crashing into other vehicles. The IIHS does not have liability losses recorded for the BMW M6. Take a look at the other luxury cars below to see how rates compare to the BMW M6.

Ready to start saving on BMW M6 insurance rates and find out which car insurance company is cheapest? Enter your ZIP code in our free tool.

Rates by Driver Age

BMW M6 Insurance Rates by Driver Age
Driver Age Premium
16 $7,038
20 $4,420
30 $1,994
40 $1,906
50 $1,740
60 $1,708

Full coverage, $500 deductibles

Rates by Deductible

BMW M6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,440
$250 $2,190
$500 $1,906
$1,000 $1,632

Full coverage, driver age 40

Rates by Liability Limit

BMW M6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,906
50/100 $2,073
100/300 $2,216
250/500 $2,589
100 CSL $2,130
300 CSL $2,446
500 CSL $2,676

Full coverage, driver age 40

Rates for High Risk Drivers

BMW M6 Insurance Rates for High Risk Drivers
Age Premium
16 $10,094
20 $7,052
30 $4,250
40 $4,150
50 $3,960
60 $3,926

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $274

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $104
Multi-vehicle $102
Homeowner $28
5-yr Accident Free $147
5-yr Claim Free $126
Paid in Full/EFT $92
Advance Quote $98
Online Quote $138
Total Discounts $835
Rate after discounts $1,071

Discounts are estimated and may not be available from every company or in every state.

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